Banca di Credito Cooperativo di del Basso Sebino Soc.coop. SWIFT/BIC code

SWIFT/BIC code of Banca di Credito Cooperativo di del Basso Sebino Soc.coop.

The 8-character code ICRAITR1 and the 11-character code ICRAITR1C53 identify the same bank: Banca di Credito Cooperativo di del Basso Sebino Soc.coop.. A SWIFT code shows the sending bank which institution is meant to get the money, a bit like a postal address for banks. It comes up mostly for transfers between countries or a currency.

On this page you can read how the code is put together, when you need it and which other details you need for a transfer to or from Banca di Credito Cooperativo di del Basso Sebino Soc.coop.. Keep in mind that the BIC just identifies the bank, not the account: the account number or IBAN does that part.

When will the money arrive at Banca di Credito Cooperativo di del Basso Sebino Soc.coop.?

How quickly a payment reaches Banca di Credito Cooperativo di del Basso Sebino Soc.coop. is determined by several factors: the currency, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made after the cut-off time or just before weekends and holidays usually go out a business day later. Occasionally a bank wants to know what the payment is for, which can hold things up.

When a payment takes longer than expected, ask the sending bank for the status; with that reference banks can see where the payment is. Money transfer services often show tracking online so you can see how far the money is.

If the money does not arrive after a few business days, the person who paid should start with their own bank. On the receiving end, it helps to check your statements for a slightly lower amount because fees can reduce the amount.

What to give a sender who pays you at Banca di Credito Cooperativo di del Basso Sebino Soc.coop.

For an international payment at Banca di Credito Cooperativo di del Basso Sebino Soc.coop., the person paying you has to have not just the SWIFT code. Share your name as the bank knows it, the IBAN or account number, the BIC ICRAITR1C53 and your address.

It helps to include Banca di Credito Cooperativo di del Basso Sebino Soc.coop. and Adro too. A typo in the IBAN is harder to fix than it looks; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is smaller than what the sender paid. Fees for incoming transfers differ per bank – the price list of Banca di Credito Cooperativo di del Basso Sebino Soc.coop. tells you what applies. On invoices, you can state how the fees are split, so that nobody is left short.

What the XXX in ICRAITR1C53 means

The structure of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. Combined, these eight characters make up ICRAITR1 – the version you usually see online.

XXX at the end of ICRAITR1C53 is not a missing value or an error: it stands for the head office of Banca di Credito Cooperativo di del Basso Sebino Soc.coop.. Some forms insist on 11 characters, and then you can add XXX after ICRAITR1.

Do not add spaces or dashes when you enter ICRAITR1 or ICRAITR1C53. Copying the code beats retyping it: a typo can point to another bank.

A note on our data

We collect SWIFT/BIC codes from public sources and check them regularly. Institutions reorganise, close branches and retire codes. The number of codes we show reflect what is in our directory.

Treat the information on this page as a helpful check. We are a comparison site for money transfers and not affiliated with Banca di Credito Cooperativo di del Basso Sebino Soc.coop.. Spotted an error? Let us know through the contact page.

Euro (EUR) and conversion costs

The national currency of Italy is the Euro (EUR). When you pay money in a different currency, the amount has to be converted at some point: by your bank, an intermediary or Banca di Credito Cooperativo di del Basso Sebino Soc.coop. itself. Each conversion costs something – usually through the rate rather than a fee.

Which bank converts the payment makes a difference. Check what EUR arrives with different providers.

Rates for EUR move all the time, and some providers let you lock in a rate. For regular payments, a slightly better rate make a real difference over a year.

Protect yourself against fake payment requests

Fraudsters often use fake invoices containing new bank details. A real SWIFT code says nothing about whether the request is genuine.

Never trust a phone number in the same message that announces the change. Pressure and secrecy are warning signs. Already paid? Contact the bank you paid from straight away and ask them to start a recall; also report it to the police.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference abroad. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

SEPA payments and the Banca di Credito Cooperativo di del Basso Sebino Soc.coop. BIC

Italy is a member of the SEPA area, where euro transfers follow common rules. For a regular euro transfer from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

You still need ICRAITR1C53 for non-euro payments or transfers from countries outside SEPA. Some forms still show a field for the BIC out of habit; in that case, fill in ICRAITR1 or ICRAITR1C53.

Instant payments in euros have become increasingly available within SEPA. Fees for SEPA payments are generally low, as long as no currency conversion is involved.

Head office or branch code at Banca di Credito Cooperativo di del Basso Sebino Soc.coop.?

Having 9 codes in 9 cities, Banca di Credito Cooperativo di del Basso Sebino Soc.coop. belongs to the banks that use individual codes for branches and departments. The head office code remains ICRAITR1C53.

For the vast majority of incoming transfers, the head office code ICRAITR1C53 is what you need. If you have been given a specific code, use it as it is rather than replacing it for the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

What a transfer from Banca di Credito Cooperativo di del Basso Sebino Soc.coop. abroad really costs

What you pay for an international transfer has several parts – not just the fee on your screen. There is the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate if the currency changes.

Banks rarely show their exchange rate markup as a cost, but you pay it all the same. A simple test: put the bank’s rate against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a transfer service turns out to be cheaper than a bank. Before your next transfer, take a minute to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Banca di Credito Cooperativo di del Basso Sebino Soc.coop. as the source of the money; only the conversion and sending happen elsewhere.

Is ICRAITR1 still correct? How to check

Ask the recipient to send you their bank details straight from their online banking. Check that code against ICRAITR1 here.

With a wrong code, the transfer may get stuck, bounce back or cost extra. A mistake in the account number is more serious, because the money may be credited to someone else, so check that just as carefully.

Many banking apps validate the structure of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Some banks now compare the payee name with the account before you confirm. Sending a small amount first can be worth it for a large first payment despite the extra fee.